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JS / Roshan Digital Account / JS Roshan Pension Plan

JS Roshan Pension Plan

Retirement planning is one of the most important life-stage goals! Yet, many of us are unable to plan prudently to ensure we have a comfortable and hassle-free post-retirement life. Overseas Pakistani's can now avail the benefits of planning their retirement in Pakistan through their Roshan Digital Account.

The Roshan Pension Plan under VPS is a self-contributory defined contribution pension scheme open to all overseas Pakistani individuals. Under the voluntary pension scheme (VPS), all employed and self-employed individuals can voluntarily contribute to a pension fund starting with as low as PKR 10,000/- during their working life to provide regular income after retirement.

Key Features & Benefits
  • Zero Sales Load
  • Management Fee up to 1.5%
  • Various investment option
  • Fund movement at fingertips

The VPS is a fund of funds scheme that aims to generate high long-term return on investment plans according to the risk appetites of the investors. Investors are allowed to contribute toward their VPS at their own convenience. Their overall investment is locked for a minimum period of 25 years from date of initial investment.

Pension Allocation Schemes
Customers may choose from the following allocation schemes available under the RPP.
EQUITY SUB FUND DEBT SUB FUND MONEY MARKET SUB FUND
Medium Volatility 50% 40% 10%
Low Volatility 25% 60% 15%
Lower Volatility NIL 50% 55%

Risk Disclaimer
All investments in Mutual Funds & Pension Funds are subject to market risks, Past performance is not necessarily indicative of future results. Please read the offering document to understand the investment policies, risk and tax implications involved. This is for general purpose information only.

Eligibility Criteria
  • Roshan Digital Account holder (NRVA)
  • Individuals with Computerized National Identity Card/ National Identity Card for Overseas Pakistanis (CNIC/NICOP)

To view the fund management report, please visit:
Fund Management Report
For further details on investments, please visit:
JS Investment
To apply for JS Roshan Pension Plan, please create your JS Roshan Digital Account:
Open your JS Roshan Digital Account

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